Does home insurance cover a laptop damaged by a power surge?

"My MacBook was plugged in during a bad thunderstorm and I'm pretty sure it was hit by a power surge. Now it won't power on. Will my home insurance cover the cost to fix my Mac?


“Depending on the type of coverage you have and the cause of the power surge, your home insurance may cover your laptop. Contact your insurance company or read your policy to confirm whether your MacBook is covered.
If your standard home insurance doesn’t cover damage from a power surge, then you may have the option to buy surge protection insurance for the future. Optional surge protection insurance is available via home insurers and utility companies. “
Savannah Grabek
Answered on Apr 13, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
4.7/5 Rating on App Store

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free